Manufacturers face complex risks — product liability lawsuits, equipment breakdowns, supply chain disruptions, and workplace injuries. Our manufacturing insurance programs address the full lifecycle from raw materials to finished product.
Coverages we place
Product liability for defective products that cause injury or damage
Commercial property for facilities, machinery, and raw materials
Equipment breakdown for production machinery and systems
Business income for production stoppages
Workers' comp for factory floor and warehouse employees
Inland marine for goods in transit
Environmental liability for emissions and waste
Product recall coverage
Who needs this coverage
Manufacturers of all sizes, food and beverage producers, electronics manufacturers, chemical manufacturers, metal fabricators, plastics manufacturers, and contract manufacturers.
What drives your premium
Type of products manufactured
Annual revenue and production volume
Machinery value and replacement cost
Number of employees and injury rates
Product distribution (domestic vs. international)
Environmental exposure and waste handling
Common exclusions
Known product defects not disclosed
Intentional violations of safety regulations
War and terrorism (separate coverage available)
Nuclear contamination
Government-ordered product seizure
Frequently asked questions
What insurance do manufacturers need?
At minimum: product liability, commercial property, equipment breakdown, workers' comp, and business income. Most manufacturers also need environmental liability and inland marine.
How much does product liability insurance cost?
Costs vary widely by product type — food manufacturers pay more than furniture makers. Typical premiums range from $2,500 to $25,000+/year depending on products, revenue, and claims history.
Does my insurance cover product recalls?
Standard product liability covers lawsuits but NOT recall costs. Product recall coverage is a separate policy that covers the expense of retrieving products from the market.